4348 Duck Down Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 4348 Duck Down Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 6,907 sqft · built 2006
Lot Size	2.3 acres (100,584 sqft)
Owner	2 Individual Names on File
Last Sale	$1,335,000 (Jun 2019)
Tax Bill	$23,939 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-29-18-865151-000190`

Property Details

APN / Parcel Number

Primary APN	`27-29-18-865151-000190`
Alternative APNs	`182927865151000190` `82927000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	6,907 sqft Living Area
Gross Area	8,082 sqft
1st Floor Area	6,107 sqft
Upper Floors Area	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	100,584 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	1,175 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Finished/Open Porch
Porch Area	894 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	4348 DUCK DOWN LN
City	WINTER HAVEN
State	FL
Zip	33884-3293
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MALLARD POINTE PHASE TWO PB 115 PGS 24 & 25 LOT 19
Legal Range	27E
Legal Township	29S
Legal Section	18
Legal Subdivision	MALLARD POINTE PHASE TWO
Legal Phase	2
Legal Tract	865151
Legal Block	1
Legal Lot Number	19
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	1
Census Block	1014
Census Tract	14401

Owner

4348 Duck Down Ln is owned and occupied by two individuals who bought it in June 2019.

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4348 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2019 · Amount on File
Deed Sale	Jun 17, 2019 · Amount on File
Prior Sale	Apr 14, 2005 · Amount on File
Deed Document Number	2019125309
Deed Book / Page	10877 / 807
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 17, 2019
Property Address	4348 DUCK DOWN LN, WINTER HAVEN, FL 33884-3293
Document Number	0108770807
Book / Page	010877 / 000807
Instrument Date	Jun 14, 2019
Instrument	125309
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4348 DUCK DOWN LN WINTER HAVEN FL 338843293, WINTER HAVEN, FL 33884-3293

Mortgage

Document Number	108770808
Date	Jun 17, 2019
Book Page	010877/000808
Instrument	125310

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240-2031

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4348 Duck Down Ln was $23,939.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,235,177 (-3.53%) Land $365,000 Building $870,177	$1,235,177 (-3.53%) Land $365,000 Building $870,177
2025	$23,939.00	$1,280,327 Land $365,000 Building $915,327	$1,280,327 Land $365,000 Building $915,327
2023	$24,158.00 (+10.2%)	$1,308,176 (+13.54%) Land $355,000 Building $953,176	$1,308,176 (+13.54%) Land $355,000 Building $953,176
2022	$21,922.00	$1,152,190 Land $295,000 Building $857,190	$1,152,190 Land $295,000 Building $857,190

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4348 Duck Down Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4348 Duck Down Ln is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20